See the Bigger Picture

Compare What's Held About You

See Which Accounts Are On Your Credit Report

Simple line-by-line comparison lets you check that the information held about you by Callcredit and Equifax matches up. The combined list of accounts reported by Callcredit and Equifax cover those reported by Experian in virtually all cases, so you can keep an eye on what's being reported about you, in one place.

Check What's Being Reported

Ensure Your Payments Are Correctly Recorded

Check that all reported information is correct including whether or not you have made payments, your personal details and whether the agreements you have are correctly reflected. Look for accounts that are not closed properly and see how your balance and limits where applicable have changed over time.

Monitor Your Use Of Credit

At A Glance View Of Your Borrowings By Type

See how your total borrowings on Mortgages, Personal Loans, Credit Cards and Other accounts have changed over the last 6 years, and keep a track of the overall position currently being reported by organisations on your Credit Report. If you are looking to reduce or restructure your debt, track how your borrowing picture changes.

Make It Your Own

Personalise Your Credit Report

To help you recognise your accounts, to associate them to a more personal purchase such as a car, to an investment in home improvements, or if you have multiple accounts with the same organisation such as a personal and joint current account, you can change the name of the provider on your Credit Report.

Compare what different Credit Reference Agencies hold about you, with simple line-by-line comparison

Ensure your payment history is recorded correctly and see how your balances and limits have changed over time

Confirm you're listed on all 4 versions of the Electoral Roll, as reported by Callcredit, Crediva, Equifax and Experian

Change the name of providers to personalise your Credit Report to help you recognise your accounts.

The UK's First Provider Of Online Credit Reports

The UK's First Provider Of Online Credit Reports

See How You Score

An Independent View Of Your Credit Score

Lenders generally use their own system to work out your Credit Score based on the information in your Credit Report and they often check your information at more than one Credit Reference Agency. Your checkmyfile Credit Score is based on all of the Credit Report information we gather from Callcredit, Crediva, Equifax and Experian to help you better understand how you are likely to be assessed when applying for credit.

Understand What Is Affecting Your Credit Score

See at a glance how the information in your Credit Report affects your checkmyfile Credit Score both positively and negatively. Find out if any differences between what's held at the 4 agencies affects you and get tips on how to improve your score and resolve any issues which are negatively affecting you.

An Independent View Of Your Credit Score

Your checkmyfile Credit Score is uniquely based on data from Callcredit, Crediva, Equifax and Experian, giving you a more accurate idea of how you're likely to be assessed by lenders when you apply.

Understand What's Affecting Your Credit Score

See how differences in data held by each agency affect your Credit Score, and get tips on correcting errors and improving your score.

Who Is Financially Associated To You?

See who is reported by Callcredit, Equifax and Experian as being financially associated to you and who impacts on your ability to get credit. Usually these are people you hold a joint account with. The impact of a financial association can be good or bad.

Get help to remove incorrect financial associations

Use our online tool to remove inappropriate people from your Callcredit, Equifax and Experian files, and get support from our professionally qualified Credit Analysts who will guide you through the process at each Credit Reference Agency - speeding up the time it takes to get 'disassociated'.

Get Assistance

Information

checkmyfile is a trade mark and is a trading name of Credit Reporting Agency Limited (Registered number 3719598). Credit Reporting Agency Limited is authorised and regulated by the Financial Conduct Authority (firm reference 690175). Credit Reporting Agency Limited is a Credit Reference Agency notified with the Office of the Information Commissioner, registration number Z6636832. Our VAT number is GB 738 731 215. Credit Reporting Agency Limited is registered in England and has its registered office at Trevithick House, Trevissome Park, Truro, TR4 8UN.

Monthly fee of £14.99 applies after your free 30-day trial. You may cancel at any time without charge by Freephone, Secure Message, email or online. The free 30-day trial applies only to new customers aged 18 years or more who are living in the UK. The 30-day free trial period starts when you register. If we are unable to verify your identity online when you register, we may ask you to provide information to us which may delay access to your Credit Report.

* The data we obtain from the four Credit Reference Agencies, which we use to build your checkmyfile Credit Report, differs in depth. We obtain all available data from Callcredit, Crediva and Equifax. Experian provides us with the data they report to lenders with the exception of the credit history data that lenders provide to them, which lenders also provide to Callcredit, Equifax or to both in the vast majority of cases; and also with the exception of Cifas fraud data, which is supplied to Experian in the same format to Callcredit and Equifax, and which we also show on your checkmyfile Credit Report. We present all of this data in the same format so you can more easily compare the differences between agencies, spot errors and, by using the common yardstick of your checkmyfile Credit Scores, you can also see how your creditworthiness differs, depending on which Credit Reference Agency is searched by a prospective lender.